A RARE FIND between two ski lakes! This one-of-a-kind HIDDEN WATERFRONT GEM is located in transitioning RURAL Lutz within a minimal deed restricted subdivision of three 1-AC homesites & LOCATION 20 mins N of downtown Tampa. This millennial-built home was designed to amplify the ambiance of the ever-changing skies with endless SUNRISES & SUNSETS! Enjoy living a quiet & blissful lifestyle next to nature & ducks, birds, fish, turtles & otters. This property has no HOA fees & is OUTSIDE the 100 ft flood zone & OUTSIDE the high wind zone, thereby lowering home insurance costs.***Amenities include boat ramp access to two lakes, a dock on the N lake with covered boat port & boat lift, a backyard barbecue gazebo and a front gazebo!*** The spacious downstairs master suite includes a bathroom, large enough for a massage table with a jacuzzi, water closet with bidet, automated window treatments & a separate dressing room between two walk-in closets.***Built with a VERSATILE first floor In-LAW SUITE/GAME/EXERCISE ROOM, it also offers an ADA compliant KITCHENETTE with adjacent bedroom & ADA COMPLIANT bath***The original owners take pride of ownership with the Jan/2025 installation of a NEW ROOF (with a 50-year transferable warranty, resistant to winds up to 190 mph), rebuilt dock with manufactured wood. The TRAIN AC units have 10-year transferable warranties. Kitchen has a Bosch dishwasher & Thermador stove top with a June/2025 NEW Kitchen-aid double oven/microwave/air fryer combo.***Upgrades include automated phantom lanai screens, two central vacuum systems for up & down, a soaring 2-story wood burning fireplace, entertainment center with surround sound system, 22ft ceilings with automated chandelier lift, wood sub-floors with 3/4- inch white oak planks which can be bleached or re-stained, two stair-cases & ideal location for an ELEVATOR.***The expansive LOFT can be divided into two rooms with barn doors to separate the billiard/game (or child playroom) to create a separate exercise/office or guest area. Currently the loft has a coffee bar & mini frig for guests.***Well insulated with energy efficient Low E vinyl windows, foam filled block walls & includes a security system with fire, glass & noise detectors.***The secluded homesite’s lot extends to the public road with a 30' X 250' long access road which can be landscaped for privacy & is accessed by 3 homesteads composing Ballinger Estates Subdivision (composed of the original 60’s homesite of the former owner & an all brick estate home on Lot 3 (also used by home on the S side property.***Upon entering the home guests are greeted with EXPANSIVE WATERFRONT VIEWS beyond the den, living/dining room & 2nd story bridge & fireplace. Adjacent to the living room is the family room, kitchen & dinette with its 11+ ft floor-to-glass bay window overlooking the paved lanai, back pergola & barbecue grill area, lake & dock.***The location provides residents a “feel” of living in the country while the property is located in the heart of Lutz & Hills County, minutes from 2+ malls, tons of restaurants, 5-grocery stores, 5 churches & is 5 mins from the new St Joseph’s hospital is W of Cheval & N of Avila Golf & Country Clubs. Only 20 mins from TIA & 30-45 mins from Florida's white-sand beaches. Great opportunity to own a lakefront estate priced $393,00 BELOW available APPRAISAL.